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645 Skyward Dr, Aptos, CA, 95003

3beds
2baths
2,186sqft
$1,700,000
$778price/sqft
$10,936/moest. monthly cost
$437,440/yrincome needed

About This Home

This private home in the Aptos hills less than five minutes above the village, pairs sweeping ocean and mountain views with storybook gardens on over an acre of land. High open-beam ceilings and expansive windows flood the main level with natural light and frame views of the bay and surrounding hills. The kitchen and dining area open to a welcoming patio, ideal for sunset dinners, sunrise coffees, weekend brunches, and easy indoor outdoor entertaining. Three bedrooms and 2.5 baths include a calm primary suite oriented to soft morning light with garden views and an expansive primary bath. Upstairs, a spacious loft room with bay views flexes beautifully as a media room, studio, or home office. Outside, terraced, drought tolerant gardens with roses and productive fruit trees create a private, year round oasis, complemented by a quiet sitting area under a majestic redwood grove. A covered back deck overlooks the gardens and hills, while a detached two car garage and generous parking for an RV, boat, or guests make hosting effortless. Five minutes to New Leaf and Aptos village, 15 mins to Capitola and 20 minutes to Santa Cruz.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

8/10
5/10
Aptos Junior High SchoolGrades 7-80.6 mi
8/10
Aptos High SchoolGrades 9-121.5 mi

Construction

Condition

  • Year built: 1979

Materials

  • Foundation: Concrete Perimeter and Slab
  • Roof: Composition

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Electric Cooktop,Dishwasher,Disposal,Built In Oven/Range,Refrigerator,Trash Compactor,Wine Refrigerator,Washer/Dryer
  • Laundry features: Inside

Bathroom

  • Features: PrimaryStallShowers, PrimarySunkenTub, ShowerandTub

Bedroom

  • Features: WalkinCloset, PrimaryBedroomonGroundFloor

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: DiningArea

Family Room

  • Features: SeparateFamilyRoom

Features

  • Vaulted Ceiling(s),Open Beam Ceiling,Walk-In Closet(s)
  • Door features: None
  • Flooring: Carpet,Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Wood Burning

Heating & Cooling

  • Heating features: 2 plus Zones,Other
  • Cooling features: None

Interior Area

  • Total structure area: 2,186
  • Total interior livable area: 2,186 sqft

Kitchen

  • Features: Countertop_Granite

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 04027131000
  • Zoning: RA
  • Special condition: Standard

Features

  • Patio & porch: Deck
  • Exterior features: Drought Tolerant Plants
  • Fencing: Front Yard,Partial
  • Has view: Yes
  • View description: Bay,City Lights,Forest/Woods,Hills,Mountain(s),Ocean
  • Has water view: Yes
  • Water view: Bay,Ocean

Lot

  • Lot size: 1.36 Acres
  • Features: Gentle Sloping

Parking

  • Total spaces: 6
  • Parking features: Detached,Guest,Oversized
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Earthquake
    EarthquakeRelatively High
  • Landslide
    LandslideRelatively High
  • Wildfire
    WildfireRelatively High
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Landslide
Wildfire
Drought
Inland Flooding

FEMA Declared Disasters in Santa Cruz County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
Tornado
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $8,596$103,152
Home Insurance *$227$2,724
Property Taxes $1,645$19,740
Electricity $468$5,625
Total$10,936$131,232
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$374,948/yr
40% on housing$328,080/yr
45% on housing$291,626/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.0%
11.0%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$778This listing

vs Other Active Listings

Avg $/sqft

ZIP 95003$686
Santa Cruz County$620

vs Homes Sold Last Month

Median $/sqft

ZIP 95003$821
Santa Cruz County$663

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-29Price change$1,799,000
2026-04-19Price change$1,825,000
2026-02-24Listed for sale$1,875,000
2020-12-02Sold$1,390,000
2020-11-11Pending sale$1,425,000
2020-10-21Price change$1,425,000
2020-09-29Price change$1,495,000
2020-09-21Listed for sale$1,575,000
2011-09-21Sold$800,000
2011-04-28Listed for sale$829,000
2010-12-30Listing removed$899,000
2010-07-24Price change$899,000
2010-04-10Listed for sale$945,000

For Sale by Agent

AgentCassandra Maas
BrokerageAnderson Christie, Inc.

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